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The Cash or Car? ("Web site") includes a program (the "Program") that contains some 4,000 motor vehicles and their associated standard equipment, optional equipment and trim levels that are available on Personal Contract Purchase contracts. These are provided by our benchmark leasing company Bank of Scotland Vehicle Finance. The following paragraphs explain some of the legal and regulatory issues applicable to any purchase you make through the Cash or Car? Web site.
Access to and use of this Web site is provided subject to these Terms and Conditions of use which you should read carefully. By proceeding further you accept them. The right to use the Program is granted subject to the terms of this licence and these instructions. If you do not accept these Terms and Conditions you may not use the Web site or its Program for any purpose. Therefore, your use of any part of the web site or Program will be deemed to constitute acceptance of all these terms.
Netro42 Limited ("Netro42") grants a licence to use the Program on this Web site for the following purposes only:
The provision of quotations for the supply of cars by Bank of Scotland Vehicle Finance to the User within the United Kingdom.
The establishment by a Corporate User of a Cash Alternative scheme within its Company Car Policy for itself and its associated companies.
In verifying the tax information on the Web site, Baker Tilly Tax and Advisory Services LLP is acting as adviser to Netro42. It will not be responsible to any person other than Netro42 for such verification or for any of the information contained on the Web site or within the Program. Baker Tilly is not responsible for the tax helpline referred to on this web site.
Neither the Web site, or the Program contained therein, nor the information derived from it constitutes an offer by either Netro42 ("Netro42") or Bank of Scotland Vehicle Finance to supply any motor vehicle. Quotations obtained are subject to confirmation by Bank of Scotland Vehicle Finance which reserves the right to decline any proposal. No contract will be binding on Bank of Scotland Vehicle Finance unless it is in writing and signed by a duly authorised representative of Bank of Scotland Vehicle Finance.
The Web site, Program and the information supplied for use with it have been obtained from sources believed to be reliable and accurate at the date of publication. However, Netro42 and Bank of Scotland Vehicle Finance make no representation or warranty, express or implied, as to its accuracy or completeness. No independent verification has been undertaken in respect of the information supplied. Accordingly, neither Netro42 nor Bank of Scotland Vehicle Finance nor any director, representative or employee accepts any liability whatsoever for any direct, indirect or consequential loss howsoever arising from the use of this Web site or Program and the information supplied in connection therewith. By using the Web site or Program the User further agrees to indemnify and hold Netro42 and Bank of Scotland Vehicle Finance harmless from any and all claims, expenses and liability of any kind arising out of or in connection with any use of the Web site or Program. However, no such liability is restricted or excluded insofar as such restriction or exclusion is contrary to applicable law.
Information appearing on the pages of this Web site are provided in accordance with and subject to the laws of England and you are hereby advised that by virtue of your browsing or accessing these pages you have accepted the laws of England as the law governing the conduct and operation of this Web site. The courts of England shall have exclusive jurisdiction over all claims or disputes arising in relation to, out of or in connection with the Web site and its use and not necessarily any transaction arising therefrom.
The information provided in the pages of the Web site is subject to change and update from time to time. While all reasonable care has been taken in the preparation of this program, no responsibility is accepted by Netro42 for the accuracy or any errors it may contain whether caused by negligence or otherwise, or for any loss, however caused, occasioned to any person by reliance on it. Accordingly, it is recommended that the user seeks proper, professional advice regarding any particular problems that are encountered and this program should not be relied upon as a substitute for such advice.
The use of the Web site is at the User's sole risk. Netro42 accepts no responsibility for loss occasioned to any User acting or refraining from action as a result of any material in this Web site.
The User accepts that any transmission of mail via the Internet may be subject to interference from third parties or incorrectly delivered and therefore may not continue to remain as confidential. Therefore, Netro42 cannot guarantee the privacy or confidentiality of any information, whether or not relating to the User, passing over the Internet. Netro42 is not responsible for any loss or damage that could result from interception by third parties of any information made available by you via this Web site.
Copyright in the program on this Web site and information supplied for use with it remains with Netro42. The User of the Web site and Program does not acquire any right, title or interest in or to any works derived from the quotes except for the licence referred to above. The User may not alter the Web site nor any downloaded program in any way, whether by reverse engineering, decompiling, disassembling, or modifying the software or otherwise. The User may not make any copies of the Web site or Program for any purpose save that he may, in order to use the Web site or Program, install part of it on the hard disk of one personal computer. The Web site and Program contain commercially sensitive and confidential information. The User must not, save as set out above, divulge or allow access to any information contained within the Web site or Program to any other party without the prior written consent of Netro42. In the event that a breach of this undertaking by the User results in loss to Netro42, the User shall be liable to make good that loss and to damages.
Netro42 is a limited liability company registered and incorporated in England under company registration number 3104226 and is regulated by the Department of Trade and Industry. The registered office address is 39-51 Highgate Road, London, NW5 1RT.
Cash or Car? is a business name of Netro42 Limited. Consumer Credit Licence number: 470660.
The information contained in this Web site and any related documentation is based on our understanding of current English tax law. The tax and legislative information contained in this Web site is based on Netro42's current understanding of tax law and practice which may change in the future. Netro42 recommends that you seek your own professional advice.
Bank of Scotland Vehicle Finance reserves the right to reject any application prior to the issue of the Policy Document. Although the premium is due when you apply for the policy, this does not signify acceptance of your application. If Bank of Scotland Vehicle Finance decides not to accept your application, then any premium already paid will be refunded in full but without any interest.
Some pages on this web site may contain hypertext links to web sites not maintained by Netro42. You are reminded that when you enter other web sites via hypertext links you will not be subject to these terms and conditions and you will not benefit from the protections afforded to you by using this Web site.
Telephone calls made to 0845 051 1999 may be recorded for security purposes and monitored under Netro42's or Bank of Scotland Vehicle Finance's quality control procedures.
You may contact Bank of Scotland Vehicle Finance using Type Talk. Information is available in large print, audio and Braille on request; please call 0800 169 4689 for details.
Benchmark company finance is provided, subject to status, by Bank of Scotland Vehicle Finance, Bridge House, Queens Park Road, Handbridge, Chester, CH88 3AN. To apply, you must be at least 18 years old and a UK resident (excluding the Channel Islands and the Isle of Man). If you exceed the agreed contract mileage, there will be an excess mileage charge which will not exceed 23p per mile. In addition, you will be liable to pay for any accidental damage to the vehicle or excess wear and tear, with regard to its age and mileage.
Delivery of motor vehicles applies to Great Britain (United Kingdom) mainland only
Bank of Scotland Vehicle Finance is an appointed representative of Capital Bank plc.
Capital Bank plc is authorised and regulated by the Financial Services Authority. The FSA Register number is 201944 and their permitted business is lending, administering and arranging mortgages and to sell and administer general insurance contracts.
Bank of Scotland Vehicle Finance and Capital Bank plc are Bank of Scotland Group Companies.
Full details of car policies are available on this Web site; you must read these before you complete an application.
(c)The Governor and Company of the Bank of Scotland 1999-2005. The copyright and material on Bank of Scotland's Internet web site is owned by Bank of Scotland and protected by the copyright laws of the United Kingdom. The material on Bank of Scotland's Internet web site may not be reproduced and used in any form, in part or in whole, without prior consent being sought. Material may only be used for personal use by those who access the web site from the United Kingdom only, and should not be made available to any third party by any means without prior consent being sought. Any potential breach of our statutory or common law rights could be subject of legal action. Bank of Scotland disclaims all liability that may result from any unauthorised reproduction or use of the information on Bank of Scotland's Internet web site. All rights not expressly granted herein are reserved by Bank of Scotland. Certain images (c) 1998-2005.
Trademarks
This Web site contains unregistered trademarks of Netro42. Certain names, words, titles, phrases, logos, icons, graphics or designs to the pages of the Web site site may constitute trade names or unregistered trademarks of Netro42 and the Bank of Scotland. The display of any trade names or trademarks on pages of the Web site site does not imply that any licence has been granted to any third party in respect of the same. All other product or company names and devices, logos, icons, graphics or designs referred to on the pages of the Web site are the trademarks of their respective owners and are exhibited only in such a manner as is intended to be for the benefit of such trademark owners and Netro42 intends no infringement of such trademarks. The appearance or absence of products, services, companies, organisations, home pages or other web sites on the Web site does not imply any endorsement or non-endorsement thereof by Netro42. All rights not expressly granted herein are reserved by Netro42.
Reproduction of these pages in whole or in part without the prior written consent of Netro42 is strictly prohibited unless for private, non-commercial viewing purposes.
Privacy Policy
Cash or Car? is committed to protecting your privacy. This policy explains how we collect, maintain and use any personal customer information and how we protect your privacy.
In general, people may visit the Cash or Car? web site and access information while remaining anonymous and not revealing any personal information. However, in order to provide you with relevant, desired information concerning products or services, Cash or Car? will, at times, request information from you. Prior to collecting such information, Cash or Car? will explain the purpose for which the information will be used.
When you register with Cash or Car?, we ask you for your name, title, postal address, email, contact telephone numbers and password, in order to provide you with quotations from our partner companies.
Cash or Car? uses this information to provide you with further information about the various products and services which you request and to share your information with Suppliers from whom you have requested products or services for the purpose of fulfilling your request. In particular, the Supplier may use the personal financial information you supply to perform credit checks prior to the fulfilment of your order or to prepare and share aggregated demographic information with our Suppliers and various third parties. This is not linked to any personal information that can identify any individual person.
We will not use your personally identifiable information for direct marketing without your consent.
Cash or Car? is owned by Netro42 Limited ("Netro42") and any information that is the property of Cash or Car? is therefore property of Netro42.
Advertising networks that serve advertising onto Cash or Car? may use their own cookies to collect information. Please be aware that Cash or Car? advertisers or web sites that have links on our web site may collect personally identifiable information about you. The information practices of those web sites linked to Cash or Car? are not covered by this Privacy Policy. We encourage our users to be aware when they leave our web site and to read the privacy statements of each and every web site that collects personally identifiable information.
If we decide to change our privacy policy, we will notify you by posting an announcement on our web site so that you are always aware of what information we collect, how we use it, and under what circumstances we disclose it. We will use information in accordance with the privacy policy under which the information was collected.
Data Protection Act 1998
Details you provide will be retained and may be used for credit assessment. A search will be made with Credit Reference Agencies (CRAs), who will record this for view by other CRA Agency users. Your details will be checked with fraud prevention agencies and will be recorded if fraud is suspected. You must be entitled to disclose details of others referred to by you, and authorise us to search and record details at the CRAs about each of you. Information held by the CRAs may already be linked to records relating to one or more financial partners, including records held in previous or subsequent names. For individuals, sole traders and partnerships an "association" will be created at the CRA, which will link your financial records. Any sensitive information obtained will only be processed in order to provide the service requested. Your details will be treated in confidence. They may be shared with any company in the same Group as Bank of Scotland (details available on request), together with the Introducer/ associated Companies/Insurers (if applicable) who will advise how they use your details. Your details may be disclosed where permitted by law or where you have consented. You may be contacted by mail, telephone, fax (if you give your consent), email or other methods with details of products or services offered. If you do not want your details used for marketing write to Data Unit, FREEPOST NWW15306, City House, City Road, Chester CH88 3YZ. You have a right to obtain a copy of details held about you upon payment of the statutory fee.
Prevention of Identity Fraud
Your identity is a valuable commodity but you may not be the only person using your own personal details. Your identity can be stolen and used in a variety of ways. This is commonly known as identity theft (or identity fraud) and is the fastest growing type of fraud in the UK.
The following web site offers advice on how to protect you and your business from the risk. www.identityfraud.org.uk
Cookies
A cookie is a small piece of information that a web site places on your computer's hard drive. Any information that is supplied by cookies can help us to provide you with a better service and assists us to analyse the profile of our users.
Nielsen NetRatings, an independent measurement and research company, gathers non-personal data regarding the visitors to our site on our behalf using cookies and code which is embedded in the site. Both the cookies and the embedded code provide non-personal statistical information about visits to pages on the site, the duration of individual page view, paths taken by visitors through the site, data on visitors' screen settings and other general information. Netro42 uses this type of information, as with that obtained from other cookies used on the web site, to help it improve the services to its users.
Our cookies cannot be read by any other web site other than that which placed them. We use them to store your preferences for certain types of information to track your progress through the Web site or to prevent the same pop-up screens from appearing more than once when you access our web site. You will be advised what information will be collected, the purpose for collecting the information and the method of collection by third parties on their web site. Browser settings can be adjusted to prevent cookies being placed on your PC if desired; though this may affect the performance of certain areas of the web site. Cookies may also be removed on an individual basis from your computer.
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